2 JAYS HOUSING LTD
🌿Early-stageactive
13649480 · ltd · incorporated 2021-09-29
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£7.2k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 1.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.9 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £7,158
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£7k
↑ 142% YoY
Current Assets
£69k
↑ 458% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £8.9k | £-17.1k |
| Current assets | £69.0k | £12.4k |
| Net assets | £7.2k | £-17.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔓Charge satisfied #2
- 2025-03-28🔓Charge satisfied #1
- 2025-03-27🔒Charge registered #3Lender: Vida Bank Limited Trading as Vida Homeloans
- 2025-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-28🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-06-28🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2023-12-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-29🏢Company incorporatedAs 2 JAYS HOUSING LTD
- 2021-09-29➕KAY, James Hebble appointeddirector
- 2021-09-29➕PAYNE, Jacqueline Susan appointeddirector
- 2021-09-29📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Jacqueline Susan Payne Individual · British · DOB 05/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/09/2021 |
James Hebble Kay Individual · British · DOB 01/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/09/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| 1411PROPERTIES LIMITED→ 15604052 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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| 19 CARLINGFORD ROAD (FREEHOLD) COMPANY LIMITED→ 12997004 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 19 LA LIMITED→ 14213531 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 19 PEACOCK LTD→ 15862563 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| 201 LODGE AVENUE (FREEHOLD) LIMITED→ 11155491 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| 21 BURLINGTON ROAD MANAGEMENT LTD→ 15232216 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 21 MCINTOSH ROAD (FREEHOLD) LIMITED→ 09406698 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| 214 - 242 VERT HOUSE RTM COMPANY LIMITED→ 15119348 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 223A STREATHAM ROAD (GRIP HOLDINGS) LIMITED→ 15348535 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 223A&B STREATHAM ROAD LIMITED→ 16466501 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2021-09-29
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Bruce Allen Llp Ground Floor Suite Crown House
40 North Street
Hornchurch
RM11 1EW
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-12
Last: 2025-09-28
Officers (2 active · 0 resigned)
KAY, James Hebble→
Activedirector · ~51y · appointed 2021-09-29
View their other companies + combined net worth →
PAYNE, Jacqueline Susan→
Activedirector · ~54y · appointed 2021-09-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Vida Bank Trading as Vida Homeloans Vida Bank Limited Trading as Vida Homeloans | A registered charge | 1 property | 27/03/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 28/06/2024 | 28/03/2025 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 28/06/2024 | 28/03/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
incorporation-company
incorporation · NEWINC
2021-09-29